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  • FIRST POST
    • wellylass89
    • By wellylass89 9th Aug 18, 4:41 PM
    • 348Posts
    • 416Thanks
    wellylass89
    Being a mature student, a very skint one..
    • #1
    • 9th Aug 18, 4:41 PM
    Being a mature student, a very skint one.. 9th Aug 18 at 4:41 PM
    So I've decided to start a new diary, as of September I'll be a full time student again at the age of 29. I'm leaving my full time job, giving up my rented flat and moving across the country into a shared house.

    I seem to have been in debt forever, I won't sugar coat it I've made some pretty terrible mistakes in the past but we live and learn. Link to old diary https://forums.moneysavingexpert.com/showthread.php?t=5574468

    So I get a full student loan which is going to pay the majority of bills every month, I have a part time job sorted in a supermarket and will be getting a start date in September. I have applied for another job which would be better hours and more money but beggars can't be choosers so we will see what happens.

    Now here is the hard bit, a list of debts;

    - Car HP 6,881.09 (141.00 PM)
    - First direct loan 5,833.24 (70.00 PM)
    - Tesco CC 2,827.17 (50.00 0% for 32 months)
    - First Direct CC 399.92 (30.00 0% till June 2019)

    Total - 15,941.42

    I'm going to pay off the FD card first, of course at the moment I'm paying what I can and any extra money I have I'm saving to help with moving but I'm hoping I can pay that off completely in the next few months. I finish work at my full time job at the end of August, I will get my last full wage at the end of the month and hopefully that will include some back pay we are owed.

    It's going to be a long slog but I will get there.

    I'm going to keep rambling here as I find it helps

    Welly x
Page 2
    • wellylass89
    • By wellylass89 5th Nov 18, 7:15 PM
    • 348 Posts
    • 416 Thanks
    wellylass89
    Well I have been offered both positions! I've accepted the care one as it will fit in better around uni and I can do all my hours a week in one shift which is better than doing a few hours here and there.

    Still plodding on with uni work and been working out at the gym.

    Welly x
    • GlendaSugarbean
    • By GlendaSugarbean 6th Nov 18, 6:40 AM
    • 262 Posts
    • 1,865 Thanks
    GlendaSugarbean
    Congratulations on the new job!
    • Choccygirl123
    • By Choccygirl123 6th Nov 18, 10:10 AM
    • 192 Posts
    • 270 Thanks
    Choccygirl123
    congratulations wellylass on the new job. You've done so well, especially when you've made such a huge life change. Hope the job and course go well. It's an exciting new start!
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - 27.75 / 240.00
    • wellylass89
    • By wellylass89 7th Nov 18, 9:18 AM
    • 348 Posts
    • 416 Thanks
    wellylass89
    Thank you both, it's a relief after everything that's happened. I'll be glad to get back to paying off more debt and get some sinking funds in place.

    I've been contracted 15 hours which is great although I'm hoping I'll be able to do 23 a week as uni quietens down after christmas but least I will have a fixed amount coming in for sure.

    They have also said I can do extra hours and bank them up for when I'm on placement so I won't have to work on the weekends when I'll be off which would be ideal but will see how it goes.

    Had a bit of a meltdown yesterday uni work is getting harder and I'm struggling, I seem to be a bit all over the place and hiding away from it by sleeping all the time.. I find I do this when I'm stressed I go between hours of deep sleep to hours of being awake and I never feel refreshed..

    I'm off uni today so I'm making a plan of action of work.

    Welly x
    • Choccygirl123
    • By Choccygirl123 7th Nov 18, 9:30 AM
    • 192 Posts
    • 270 Thanks
    Choccygirl123
    Flexibility of the job sounds perfect and I'm sure will work well with uni.

    You sound like you're doing amazing, don't be harsh on yourself. It's a massive steep learning curve going back to education. Make sure you ask for help for tutors and I bet if you speak to people on your course they all feel the same.

    My hubby did his degree by distance learning and it was a huge shock for someone who left school without a single gcse. He kept plugging on and graduated with a respectable 2-1. He's nearly finished studying for his masters now. Hard work but so worth while.

    Keep smiling welly x
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - 27.75 / 240.00
    • wellylass89
    • By wellylass89 9th Nov 18, 3:37 PM
    • 348 Posts
    • 416 Thanks
    wellylass89
    So it's Friday! I've just had a half day at uni today so I'm now in my slum clothes in bed doing an assignment.

    Normally I'd go to my boyfriends tonight for the weekend but he's going out for someone's birthday tomorrow all day night drinking thing, so I'm using it as an excuse to stay here and do some work and sort my uniform out. First placement is in 2 weeks!!

    I think my work are just waiting for references and confirmation of paperwork so really hoping I can get started before christmas so I can get loads of hours done in the holidays!

    I'm very skint right now, I will be getting 500 at the end of the month from the savings scheme of my old job so planning a few christmas gifts with it and hopefully save some for my car insurance which is due in January.

    Hope you all have a nice weekend

    Welly x
    • redmel1621
    • By redmel1621 10th Nov 18, 11:17 PM
    • 5,900 Posts
    • 25,623 Thanks
    redmel1621
    3 weeks today and I will have moved

    So much to do and so little time to do it!! I've sold a few more things yesterday so that's another 20 to go in the pot.

    I'm trying to find a charity or someone who has just got their own place and maybe doesn't have much. I have loads of kitchen utensils that I don't need and plates etc that might be useful to someone. I know you can get these things really cheap these days but I started with one set of cutlery one plate and a glass off my mum when I moved in here so it all helps!!

    This next week is my last full week at work I'm so excited but terrified at the same time!! My student finance has been reconfirmed so that's good so just waiting on a start date for my job now.

    I've also decided to start matched betting again, I found it so easy last time I kind of gave up due to my own patience as I didn't have a big bank roll to be doing the decent offers.

    As the saying goes every little helps!

    Welly x
    Originally posted by wellylass89
    What course are you studying at uni? Matched betting will be helpful, if you can find the time. I found it so time consuming despite numerous people on forums claiming they do half an hour a week and earn a minimum of 3000 a week I used to spend about 20 hours a week to earn about 25 a week I keep meaning to get back into it, but I just don't seem to find time.



    My hubby did his degree by distance learning and it was a huge shock for someone who left school without a single gcse. He kept plugging on and graduated with a respectable 2-1. He's nearly finished studying for his masters now. Hard work but so worth while.

    Keep smiling welly x
    Originally posted by Choccygirl123
    Well done to your husband. I left school without any GCSEs and returned to university as a mature student. I initially gained my English and maths GCSEs at night school while working full time, then I did a number of course through the Open University. I had a break of a number of years when I gave to birth to 2 more babies within the space of 15mths, but then returned to a full time university study. I completed my degree, then my postgraduate certificate in education and am now teaching full time (well will be back to full time from January)/ I will be registering to start a masters from next September

    I believe if you want it badly enough, you can do anything
    Unless someone like you cares a whole awful lot,
    Nothing is going to get better. It's not.

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